Replacement dilemma

I have a dilemma.
As a result of a crash, my insurance company have offered to replace my old bike for a new one. The problem is deciding on what.
I've got a replacement value of £1800 and want something that is woman specific since my fingers are too short for man bikes.
I need some opinions!!

When you say your fingers are too short, I'm guessing you mean for the brake levers. If so, why not get wedges or short-reach levers like the Shimano ST-R700s as standard the Scott Contessa CR1?

To be honest I'd suggest that, overall sizing apart, buying the bike you like most is the best way to happy cycling. Stem and bars can be swapped any time but a paintscheme is for life, not just for Christmas. Do some tyre-kicking before you decide.